I cannot temember getting a renwal quote that drops. Every one is hiked up and these can be queried/negotiated in most cases. Every renewal a search for quotes is done and this can be used to negotiate.
I remember being with Swinton once. I had their renewal papers for the Focus. I went online and saw the same Swinton cover £100 less! I queried this by phone and got a £100 cashback. Stayed with them for another year but went elsewhere after that.
Renewals seem to be a "try it on" tactic in the hope that people just accept it.
I have the Plus 8 with Gott & Wynn renewal due next month. I will look at others as part of the "game".
For years with Tesco I got the renewal then went online for a better deal. In the end though when we changed cars mid term & they put the price up as it was to be garaged not on the drive I left them. Apparently it is easier to steal a car from a locked alarmed garage!
Now I am a price whore 3 times a year for each of the cars. Painful but saves dosh.